Prescription Drug List
Organize a medication list, pharmacy and care-team details.
Open form: Prescription Drug List
CLIENT RESOURCES
HUGS Resource Guide
Explore guides by topic or by what is happening in your life.
Original guides are connected for local review. Open or download any of the 43 client PDFs. Check each guide’s year and state information; content approval and accessible document versions are still pending. No uploads or intake are enabled here.
FILL OUT A FORM
Client forms
Choose the form you need. Review its instructions before opening and submitting it.
Change Primary Care Physician
Prepare a request with your current and preferred doctor details.
Open form: Change Primary Care PhysicianRequest to Cancel
Prepare a policy cancellation request for review.
Open form: Request to CancelUse topic words only—not names, health details or other personal information.
Start with your situation
All guides
43 guides
Getting Started with HUGS
What to bring to your HUGS appointment
A preparation checklist for your first conversation.
Getting Started with HUGS
Understanding HUGS services
An introduction to the scope and boundaries of HUGS services.
Getting Started with HUGS
One umbrella, three HUGS branches
An introduction to the Emerald, Gold and Amethyst branches.
Medicare
Turning 65: your Medicare checklist
A guide organized around preparing for a Medicare conversation.
Medicare
Helping your parents with Medicare
Topics to explore when supporting a parent with Medicare questions.
Medicare
Understanding Medicare coverage choices
An overview of Original Medicare, Medigap and Medicare Advantage topics.
Medicare
Medicare Supplement (Medigap) plans
An introduction to Medicare Supplement terminology and questions.
Medicare
Prescription drug coverage (Part D)
A year-specific guide to prescription drug coverage topics.
2027 source · review pending
Medicare
Extra Help with prescription drug costs
An introduction to the Extra Help / Low-Income Subsidy program.
Medicare
Understanding Medicare enrollment windows
A guide focused on Medicare enrollment timing questions.
Medicare
Medicare Annual Enrollment Period
A guide to questions about the Annual Enrollment Period (AEP).
Medicare
Medicare changes outside annual enrollment
An introduction to plan-change questions outside the annual enrollment period.
Medicare
Special Needs Plans in North Carolina
A North Carolina-focused introduction to Special Needs Plan topics.
North Carolina
Medicare
Medicare when you live in two states
Coverage questions for people who divide their time between states.
ACA / Marketplace
Getting to know ACA Marketplace coverage
An introduction to individual Marketplace coverage topics.
ACA / Marketplace
ACA Marketplace Open Enrollment
A guide to questions about Marketplace Open Enrollment.
ACA / Marketplace
ACA Special Enrollment Periods
An introduction to Marketplace life-event and enrollment questions.
ACA / Marketplace
Losing job coverage or ending COBRA
Coverage questions to consider during a change in employment or COBRA coverage.
Medicaid: North Carolina & South Carolina
North Carolina Medicaid
A state-specific guide to Medicaid topics in North Carolina.
North Carolina
Medicaid: North Carolina & South Carolina
South Carolina Medicaid
A state-specific guide to Medicaid topics in South Carolina.
South Carolina
Life Insurance
Types of life insurance
A plain-language introduction to life insurance terminology.
Life Insurance
Life insurance after age 65
Questions about life insurance in later life.
Life Insurance
Life insurance after a death
An overview of the life insurance claims conversation after someone dies.
Annuities & Retirement
Annuities in plain language
An introduction to annuity terms and questions.
Annuities & Retirement
Retiring before age 65
Health coverage questions when retiring before age 65.
Annuities & Retirement
Social Security claiming ages
A guide to questions about when to begin Social Security benefits.
Annuities & Retirement
Required Minimum Distributions (RMDs)
An introduction to retirement-account distribution terminology.
Dental, Vision & Hearing
Understanding dental insurance
A guide to dental coverage topics and questions.
Dental, Vision & Hearing
Vision coverage: exams, glasses and contacts
An introduction to vision coverage topics.
Dental, Vision & Hearing
Hearing coverage: hearing aids and exams
An introduction to hearing coverage topics.
Supplemental Coverage & Long-Term Care
Understanding hospital indemnity insurance
An introduction to hospital indemnity coverage terminology.
Supplemental Coverage & Long-Term Care
Hospital indemnity and Medicare Advantage
Questions about these two distinct types of coverage.
Supplemental Coverage & Long-Term Care
Understanding critical illness insurance
An introduction to critical illness coverage topics.
Supplemental Coverage & Long-Term Care
Understanding accident insurance
An introduction to accident coverage topics.
Supplemental Coverage & Long-Term Care
Long-term care in North Carolina
A state-specific guide to long-term care and cost questions.
North Carolina · figures need review
Life Changes & Enrollment
Questions before changing coverage
A conversation guide for considering a coverage change.
Life Changes & Enrollment
Marriage, divorce or a new baby
Coverage questions during changes in your household.
Life Changes & Enrollment
Moving to another state
Coverage questions to explore when preparing for a move.
Planning Ahead & Support After a Loss
Organizing important household documents
A guide to keeping household paperwork organized.
Planning Ahead & Support After a Loss
Who to contact after a spouse dies
An introduction to practical conversations after a loss.
Planning Ahead & Support After a Loss
The first 30 days after a death
A guide organized around early financial and administrative questions.
Planning Ahead & Support After a Loss
Social Security survivor benefits
An introduction to survivor-benefit questions.
Planning Ahead & Support After a Loss
Power of attorney and healthcare directives
An introduction to legal-planning documents and terminology.
No guides match those filters
Try a broader topic word, or clear the filters to see every guide.
ORIGINAL HUGS GUIDE · Getting Started with HUGS
What to bring to your HUGS appointment
A preparation checklist for your first conversation.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Getting Started with HUGS
Understanding HUGS services
An introduction to the scope and boundaries of HUGS services.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Getting Started with HUGS
One umbrella, three HUGS branches
An introduction to the Emerald, Gold and Amethyst branches.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Turning 65: your Medicare checklist
A guide organized around preparing for a Medicare conversation.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Helping your parents with Medicare
Topics to explore when supporting a parent with Medicare questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Understanding Medicare coverage choices
An overview of Original Medicare, Medigap and Medicare Advantage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Medicare Supplement (Medigap) plans
An introduction to Medicare Supplement terminology and questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Prescription drug coverage (Part D)
2027 source · review pending
A year-specific guide to prescription drug coverage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Extra Help with prescription drug costs
An introduction to the Extra Help / Low-Income Subsidy program.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Understanding Medicare enrollment windows
A guide focused on Medicare enrollment timing questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Medicare Annual Enrollment Period
A guide to questions about the Annual Enrollment Period (AEP).
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Medicare changes outside annual enrollment
An introduction to plan-change questions outside the annual enrollment period.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Special Needs Plans in North Carolina
North Carolina
A North Carolina-focused introduction to Special Needs Plan topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicare
Medicare when you live in two states
Coverage questions for people who divide their time between states.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · ACA / Marketplace
Getting to know ACA Marketplace coverage
An introduction to individual Marketplace coverage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · ACA / Marketplace
ACA Marketplace Open Enrollment
A guide to questions about Marketplace Open Enrollment.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · ACA / Marketplace
ACA Special Enrollment Periods
An introduction to Marketplace life-event and enrollment questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · ACA / Marketplace
Losing job coverage or ending COBRA
Coverage questions to consider during a change in employment or COBRA coverage.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicaid: North Carolina & South Carolina
North Carolina Medicaid
North Carolina
A state-specific guide to Medicaid topics in North Carolina.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Medicaid: North Carolina & South Carolina
South Carolina Medicaid
South Carolina
A state-specific guide to Medicaid topics in South Carolina.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Life Insurance
Types of life insurance
A plain-language introduction to life insurance terminology.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Life Insurance
Life insurance after age 65
Questions about life insurance in later life.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Life Insurance
Life insurance after a death
An overview of the life insurance claims conversation after someone dies.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Annuities & Retirement
Annuities in plain language
An introduction to annuity terms and questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Annuities & Retirement
Retiring before age 65
Health coverage questions when retiring before age 65.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Annuities & Retirement
Social Security claiming ages
A guide to questions about when to begin Social Security benefits.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Annuities & Retirement
Required Minimum Distributions (RMDs)
An introduction to retirement-account distribution terminology.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Dental, Vision & Hearing
Understanding dental insurance
A guide to dental coverage topics and questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Dental, Vision & Hearing
Vision coverage: exams, glasses and contacts
An introduction to vision coverage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Dental, Vision & Hearing
Hearing coverage: hearing aids and exams
An introduction to hearing coverage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Supplemental Coverage & Long-Term Care
Understanding hospital indemnity insurance
An introduction to hospital indemnity coverage terminology.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Supplemental Coverage & Long-Term Care
Hospital indemnity and Medicare Advantage
Questions about these two distinct types of coverage.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Supplemental Coverage & Long-Term Care
Understanding critical illness insurance
An introduction to critical illness coverage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Supplemental Coverage & Long-Term Care
Understanding accident insurance
An introduction to accident coverage topics.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Supplemental Coverage & Long-Term Care
Long-term care in North Carolina
North Carolina · figures need review
A state-specific guide to long-term care and cost questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Life Changes & Enrollment
Questions before changing coverage
A conversation guide for considering a coverage change.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Life Changes & Enrollment
Marriage, divorce or a new baby
Coverage questions during changes in your household.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Life Changes & Enrollment
Moving to another state
Coverage questions to explore when preparing for a move.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Planning Ahead & Support After a Loss
Organizing important household documents
A guide to keeping household paperwork organized.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Planning Ahead & Support After a Loss
Who to contact after a spouse dies
An introduction to practical conversations after a loss.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Planning Ahead & Support After a Loss
The first 30 days after a death
A guide organized around early financial and administrative questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Planning Ahead & Support After a Loss
Social Security survivor benefits
An introduction to survivor-benefit questions.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
ORIGINAL HUGS GUIDE · Planning Ahead & Support After a Loss
Power of attorney and healthcare directives
An introduction to legal-planning documents and terminology.
Read the original guide
Use Open PDF to read the complete one-page document in a new tab, or download the original to keep a copy.
The supplied PDF retains its original wording, dates and disclosures. This summary does not replace the document. Year-specific figures, service descriptions and state information remain under review.
Guide not found
Return to the library to choose a guide.